There are seriously a ridiculous amount of apps out there that promise to help manage your finances and pay your bills. However, just like the disparity in quality between the smartphone games you play, not all bill payment and management apps are created equally. That being the case, I thought I would put together a list of those that I approve of and discuss the various reasons I have found these to be good choices when compared to the throngs of peers and wannabes available across every platform out there.

And, being a bit of a tech guy (as well as a finance guy), I also discuss some of the differences between the different devices’ platforms like iOS, Android and Windows Phones. If, after reading this, you are still unsure as to which app you should try out, let me know in the comments below and I will gladly help you find the one that is truly perfect for your specific wants and needs in an app – I might even break the fourth wall and suggest some stuff that does not appear on this list… Like I said, there are a ridiculous amount of these kinds of apps and I have used tons of them in my work.

Without further ado, let’s begin.

Mint.com Personal Finance

One of the highest rated finance apps in every single marketplace it is available in, the Mint.com Personal Finance app is quickly becoming a behemoth as a tool for tracking and paying your bills over a number of different internet-connected platforms, including through your internet browser, iPhone, Android and Windows Phones. For those of you who might remember the Check.me app and website, Intuit has rebranded it as what you see now.

Using your information, the Mint.com Personal Finance app offers up a one-stop application to keep a complete overview of your financial information in one place. That means no more bouncing from bank website to bill payment portals and back again just to verify that your funds are ready to go for whatever bill you’re trying to pay. It’s exhausting and unnecessary when you can easily take care of it all with this Mint.com app.

Mint.com Personal Finance’s Best Features

Since the Mint.com app is ran by Intuit, there are some pretty significant benefits to using it over many other bill management apps out there. First of all, and as I somewhat hinted at earlier, you can add your bank accounts to the app. Not just one account, but all of the ones that you might have. What this means is that your overall snapshot of what’s happening in your finances is true as the app updates itself with your details on demand.

It also offers up tips for you that have been custom crafted in regards to what accounts you have and which bills you need to pay. This information is used in conjunction with their deep financial analysis to offer you up some great ways to save money and find deals that have been curated to fit your financial goals and your lifestyle wants.

Lastly, the Mint.com Personal Finance app will push alerts to your phone on a schedule that you choose. Sure, push notifications can be really annoying when you have not set them up yourself, especially when it is some game trying to weasel you into spending cash on in-app purchases. But, the ones that this app push are actually important to your life. Especially in these fast-paced times, it is easy to forget when a bill might be due, and this app handles it for you.

Mint.com Personal Finance Price

This might be the best part of the app – it’s free.

To get this app, follow the link that pertains to your preferred platform:

BillMinder

A lightweight and elegant app designed to help keep track of your funds, BillMinder on the iTunes store has earned itself some pretty stellar reviews across the board. On the other hand, the Android version through the Play Store or the Amazon Marketplace seem to be disappointing to its users, especially those who have recently made a switch from an iPhone to an Android device. That being said, I can recommend the BillMinder app to those who are using Apple devices but can’t yet suggest getting it for an Android Phone – at least not until return7 (the app’s creator) addresses the issues brought up by the app’s users.

Nevertheless, BillMinder’s simple and straightforward bill tracking has made a positive impact on many peoples’ financial lives through a handful of features that work well with each other to ensure that you stay on track with your regular and one-time payments.

BillMinder’s Best Features

One of my favorite things that BillMinder does really well is that you can sync up your bills with other people. This is particularly great for those who have roommates or families that use multiple bank accounts and each spouse has different responsibilities for bills.

If you use a spreadsheet software like Excel or the one available through Google Docs, you can import and export .csv files, which is very cool for people who like to keep track of every little thing having to do with their finances.

BillMinder Price

Across all of the platforms that BillMinder is available on, it is $2.99.

To purchase BillMinder, follow the link here that goes to the device platform of your choice:

MyCheckFree

The most-used e-bill and payment servicing website available, MyCheckFree offers an easy bill payment solution that goes directly to many different companies, some of which will only accept payment through MyCheckFree, making the site necessary for some users. The types of bills that can be paid through this involve practically all types of services, including major utilities, cable, internet, insurance, credit cards and quite a few more.

Although I am primarily talking about the actual website for MyCheckFree throughout this article, it is also available as an app for both Apple and Android devices. The reason I am discussing the website rather than the apps themselves is because I have a strong assumption that the vast majority of people who use this service use their internet browsers more often than the smartphone apps, which I believe is a direct result of MyCheckFree being itself focused on making bill payments rather than actually managing your bills or finances as a whole.

MyCheckFree’s Best Features

Let’s face it, the MyCheckFree website and apps are ugly. Like devastatingly so. Nevertheless, It still has some pretty good reasons to use it, one of which is that there are more than a few utility companies that will only take specific kinds of payments through CheckFree. Also, they have a bill search feature that will hunt down all of your bills that are payable through MyCheckFree, which is pretty handy when beginning to set the account up to make online payments.

MyCheckFree Price

Considering how necessary MyCheckFree has become for tons of people to get their bills paid, I am very happy to report that it is a free service. However, I have heard that the company may charge negligible fees to those who are attempting to rush to get a specific bill paid right away, so keep that in mind when using the apps or website.

To give MyCheckFree a go, visit one or more of the links that pertain to how you want to use it:

Prism Bill Pay

Of all the apps in this article that could be a direct competitor to the praise I have given to the Mint.com Personal Finance application, Prism Bill Pay is it. It is available on a handful of digital platforms, including Android, Apple and Windows devices.

While it is not quite as feature rich as some other bill management applications, the things that Prism Bill Pay does, it performs rather well. Likewise, if you have any questions, issues or complaints about the app, you can contact the developers directly for support from within the app, which is always great to see.

If I were to point out anything that I feel is problematic for the Prism Bill Pay app, it is that you can’t access the program or some kind of variant of it through your internet browser or any computer that isn’t a Windows 8 machine. Well, not without installing some kind of emulation software, which can itself be tedious and simply not worth the effort for this app alone.

Prism Bill Pay’s Best Features

An excellent aspect of Prism Bill Pay is the options they have available for their push notifications. Not only will the app inform you need to pay your bill at whatever time interval you choose, you can also set it up so that it lets you know when a bill gets created, which can allow savvy individuals to pay their bills the instant they come up.

The calendar layout and functionality is a spectacular piece of this app. While the list views will show you the exact price that you will need to pay for your upcoming bills, the calendar offers up a glimpse of what is going on with your payments that is wonderful for those with an affinity for visual planning.

The last of what I consider to be Prism Bill Pay’s best features is that it will allow you to never have to log in to your billers’ websites again. Since you can pay straight from the app to thousands of utility and financial services, you won’t have to wade through the terrible logins and dashboards found on so many sites.

Prism Bill Pay Price

This app is completely free across all of the platforms that it is available on.

My Budget Book

This app from the sole developer over at OneTwoApps brings a pretty significant amount of functionality to devices that flourish with minimalistic design. While My Budget Book will not allow you to make bill payments through the app itself, that is only a minor hindrance in the way the app works with its simple design and excellent output options. Whether on Android or iOS, My Budget Book offers cloud transfers (DropBox and iCould, respectively). It can also import and export a bunch of different file types, most of which are spreadsheet friendly.

However, and similar to how BillMinder receives low reviews on Android, My Budget Book is struggling to win over iPhone and iPad users (though not for the same reasons as BillMinder) and there has yet to be a review consensus.

My Budget Book’s Best Features

Honestly, everything that My Budget Book can do is available through other apps listed here. However, and though it is not necessarily a feature in itself (or is it? Someone clarify my opinion on this in the comments at the end of this article or else it’s going to bother me to no end), the sheer simplicity in the layout and presentation of My Budget Book makes it well worth mentioning in this list. That by no means should be taken as a statement against the security of the other apps mentioned in this piece as I am positive that extensive measures have been taken to keep their users’ information secure, but not entering your account information at all will always trump the alternative.

My Budget Book Price

So, the pricing setup for My Budget Book seems to be a little arbitrary, though I can see why the price is lower for Apple users considering the app itself seems to be undergoing a rough time getting off the ground with positive reviews. However, the prices are as follows (and I am including the links here to these because, I don’t know, reasons):